Each bank and payment gateway that we use has its own specific
set of terms and conditions. These will be sent out to you, along
with the agreements (contracts), once the merchant facility is ready
to go live. If before sending back the signed agreements, for any
reason you do not wish to go ahead you can cancel your application
without any cost to you. However please be aware that you will be
liable for payment once the contracts are signed and returned. Please
note that you can cancel your merchant services at anytime by supplying
30 days notice (unless otherwise informed).

As accredited platinum partners with many major UK, European and
Worldwide acquiring banks and payment gateways, the merchant account
and payment gateway final agreement is with them and we can not
be held liable for any loss or damage suffered (please also see
below for liability). This is also means
that if we were to be sold, close or be taken over, your account
would not be effected and you would still be able to operate without
a single problem or delay - guaranteed!

Information and Accuracy

While Web-Merchant Services attempts to convey accurate and current
information about this site, the information provided may contain
typographical or technical errors. All information is provided "as
is" with no guarantee of completeness, accuracy, or the result
obtained from the use of this information, and with warranty of
any kind, expressed or implied. Users are advised to confirm the
accuracy of any information presented on this site before trusting
it in any way.

Products and services

Web-Merchant Services products and services may be changed or updated
without prior notice.

Liability

While we have taken all reasonable steps to ensure the accuracy
and completeness of the content of the website, we exclude any warranties,
undertakings or representations (either express or implied) to the
full extent permitted under applicable law, that the website or
(including without limitation) all or any part of the content or
materials, accuracy, availability or completeness of the content
of the website or any part of the content or materials are appropriate
or available for use in any jurisdiction where we provide our services.
If you use this website from other jurisdictions, you are responsible
for compliance with applicable local laws.

We accept no liability (including without limitation) in either
contract, tort, negligence, statutory duty or otherwise (to the
maximum extent permitted by applicable law) arising out of the use
of or access to this website (which includes without limitation)
any errors or omissions contained in this website or if the website
is unavailable and we shall not be liable for any direct or indirect:

Special, incidental, consequential loss
or damage, suffered or incurred arising out of or in connection
with your use of this website and these terms and conditions.

Access to and use of this website is at the user's own risk and
we do not warrant that the use of this website or any material downloaded
from it will not cause damage to any property, or otherwise minimise
or eliminate the inherent risks of the internet including but not
limited to loss of data, computer virus infection, spyware, malicious
software, trojans and worms. Also, we accept no liability in respect
of losses or damages arising out of changes made to the content
of this website or by either authorised or unauthorised third parties.

To provide increased value to users of this website, we may provide
links to other websites or resources (that are not part of the Web-Merchant
Services or that of its subsidiaries) for you to access at your
sole discretion. You acknowledge and agree that, as you have chosen
to enter the linked website we are not responsible for the availability
of such external sites or resources, and do not review or endorse
and shall not be responsible or liable, directly or indirectly,
for

(i) the privacy practices of such
websites
(ii) the content of such websites, including (without limitation)
any advertising, content, products, goods or other materials or
services
(iii) the use that others make of these websites or resources, nor
for any damage, loss or offence caused or alleged to be caused by,
or in connection with, the use of or reliance on any such advertising,
content, products, goods or other materials or services available
on such external websites or resources.

Please also note that as accredited platinum partners with many
major UK, European and Worldwide acquiring banks and payment gateways,
the merchant account and payment gateway final agreement is with
them and we can not be held liable for any loss or damage suffered.

Email and attachments

The e-mail and attachments that we send contain confidential information
addressed to a specific recipient(s) which is private and protected
by law. If you are not an addressee, any disclosure, copying, distribution
or use is strictly prohibited and you are requested to advise us
immediately of the information you have received.

We take reasonable precautions to ensure our e-mails are virus
free. Automatic scanning of all inbound and outbound e-mail is employed
to prevent any infected e-mails crossing our Virus Scan Gateway.
However, we cannot accept responsibility for any virus transmitted
by us and recommend that you subject our e-mails to your own virus
checking procedures.

Complaints & Disputes

In the event of a dispute between the parties concerning an agreement
each of the parties shall In first instance please email: m.support@web-merchant.co.uk.
You will receive a response within 1 working day. If you are unsatisfied
with the initial response bring the matter at the earliest opportunity
to the attention of a Director or similar officer.

Disclaimer

In order to increase a merchant's chance of obtaining a merchant
facility with one of our sponsor banks due to an applicants status
and/or business model and following a full risk assessment of an
application, we may need to increase certain elements: mainly the
settlement period and the rolling reserve (other terms may be effected
depending on the risk sector you operate in and your company’s
credit rating). Indeed a longer settlement period and a larger rolling
reserve are more likely to reassure our processing bank that we
have taken sufficient steps to mitigate the risk exposure on an
account.

As you can imagine we are unable to tell who will have their terms
increased until an application has been put in and is being processed.
Please be reassured that you are under no obligation to continue
with the application if the new terms offered no longer meet your
requirements. If this is the case than simply reply to the relevant
email and your application will be terminated

Rejection of an application or other type
of business

Web-Merchant Services has the right to refuse the business of any
potential or current customers for moral, ethical or any other reason(s).
Even if the information they have supplied is true and complete.
We retain this right if we feel that the customer and/or the information
they have supplied is not what it appears. All rejections are sent
via email once an assessment has been completed - Please read 'reporting
illegal or offensive content'

Declaration

During our assessment of your application, we will use the services
of credit reference agencies to confirm your home address and calculate
your personal credit score. Information held by the credit reference
agencies is used by us and others to help verify the identity of
customers and to assess their ability to meet financial commitments.
This enables accounts to be opened more quickly and reduces the
need to obtain third-party references.

To enable us to form an accurate view of the existing financial
commitments of customers, credit reference agencies may link the
records of “financial associates” (such as spouses,
family members, or cohabiters) who have entered into joint financial
obligations. Once linked, this association means that each of the
records will be taken into account in all future applications for
credit by either financial associate and will continue until one
of them successfully files a “disassociation” with the
credit reference agencies by establishing that this financial link
no longer exists. Information held about you by the credit reference
agencies may already be linked to records relating to one or more
of your “financial associates”. If so, for the purposes
of any application to us for services you may be treated as financially
linked and if so your application will be assessed with reference
to any associated records. Further details about “financial
association”, “disassociation”, and credit reference
agencies are available by contacting the credit reference agencies
directly.

We may make periodic searches of our records, credit reference
agencies, and fraud prevention agencies to manage your account,
and to take decisions regarding your account and the terms under
which we have opened it, including whether or not to confirm or
extend your account.

You have the right of access to your personal records held by credit
reference and fraud prevention agencies. We will supply the names
and addresses of the agencies we use upon request.

By submitting the application documents you confirm that you have
read the foregoing and agree to us obtaining the aforementioned
information during our assessment of your application for payment
processing services.

Reporting illegal or offensive content

Web-Merchant Services reserves the right, but does not bear the
responsibility, to prohibit, delete or report any conduct, communication
or content which we in its sole discretion determines to be unlawful,
potentially harmful to others or may expose Web-Merchant Services
to harm or liability. By content, we mean the text, software, communications,
images, sounds and other information provided online, hosted or
transmitted in connection with or as a result of the services provided
to you. You agree that all claims, disputes or wrongdoing which
result from, or which are related in any way to, the content of
information that you transmit, re-transmit, host or receive through
the services are your sole and exclusive responsibility.

As part of the application process and during the entire time you
use our services, we monitor the conduct of our merchants and customers
and any content distributed, hosted or posted through our services.
You may not transmit, distribute, host or store material, or participate
in any conduct, that may violate any applicable local, state, federal
or foreign law or regulation.This includes, without limitation:

any unauthorized use of material protected
by patent, copyright, trademark or other intellectual property
right;

material that is defamatory, obscene,
constitutes an illegal threat or harassment, violates export
control laws, or is used to commit fraud or any other activity
that is prohibited by criminal or civil law;

material that exploits children under
the age of 18;

material that provides, sells or offers
to sell the following: controlled substances, illegal drugs
and drug contraband, alcohol, weapons, pirated materials, programs
to attack others, illegal goods or services, instructions on
making, assembling or obtaining illegal goods or weapons, information
used to break, copyright, violate the trademark of or to destroy
others' property or information used to illegally harm any people
or animals;

material that takes part in, or allows
any third party to take part in, the following: reverse engineering,
reverse compiling or otherwise deriving the underlying source
code, structure or sequence of the technology, altering copyright
notices and attributes (unless you have written permission by
the legal owner); or material or conduct which we believe to
be unlawful, offensive or harmful.

Any merchant, including any applications we receive, that violate
the above may be reported to the relevant governing bodies.